20 13 Document No.1 of the Central Committee clearly regards large professional households and family farms engaged in large-scale operations as important components of new rural management entities for the first time. In 20 14, Agricultural Bank of China issued the Measures for the Administration of Loans for Large Professional Households (Family Farms) of Agricultural Bank of China (for Trial Implementation), which stipulated that the loan amount for large professional households and single family farms should be increased to 6,543,800 yuan.

According to the characteristics of customers' operating cash flow, set a more scientific, flexible and practical loan appointment period and repayment method, and the longest loan period can reach 5 years; In order to solve the problem of rural guarantee, the Measures have innovated the guarantee methods such as agricultural machinery and tools mortgage, agricultural and sideline products mortgage, forest right mortgage, new rural property right mortgage, "company+farmer" guarantee and professional cooperative guarantee, and also allowed credit loans to qualified customers.

According to the regulations, the lender must be a family farm operator with a local account, and the family farm is in good operating condition, with no bad credit record and arrears of funds to others.

Specifically, it includes: the borrower's historical experience and professional management ability, the ability to cope with market price fluctuations, the legitimacy and stability of contracted farmland, family stability, financial situation, personal conduct, the legality and compliance of new guarantee methods, the stability of value, and the difficulty of realizing disposal.

Information to be carried when handling a loan:

1.

2. Business license of family farm.

3. Introduction of family farm.

4. If the contracted management right of land is mortgaged, it is necessary to provide the certificate of contracted management right of rural land, the transfer contract of contracted management right of rural land or the forest right certificate. Agricultural machinery and tools mortgage, agricultural and sideline products mortgage, but also need to show the relevant ownership certificate.

5. Family farm legal person ID card and legal person introduction.

6. If there is a capital verification report, provide it.

7, nearly three months of balance sheet and financial statements.

8. Description of repayment plan.

All required materials should be stamped with the official seal of the family farm.